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Stop guessing random numbers like "1 Crore". Use the exact mathematical framework to find out exactly how much money you need to retire peacefully.
Most people casually say, "I just need ₹1 Crore to retire."But they forget one silent killer: Inflation.
Due to 6% inflation, things double in price every 12 years. If you are 30 today, by the time you are 60, everyday expenses will be 5.7 times more expensive! ₹1 Crore in the year 2054 will have the buying power of just ₹17 Lakhs today. You cannot survive 30 years of retirement on that. Let's calculate your REAL target.
Write down how much you need to live a comfortable month today. Exclude: Home loan EMIs, kids' school fees, and investments. Include: Groceries, utilities, travel, and healthcare.
Calculate what today's ₹6 Lakhs/year will become at age 60 using a 6% inflation rate.
Your retirement corpus should ideally be 30 times your first year's retirement expense.
₹10 Crores sounds impossible today. But compounding over 30 years changes everything.
If Rahul starts a SIP of ₹15,000/month today with 12% returns...
And increases it by 10% every year through a Step-Up SIP...
Key Takeaway
Retirement planning is just math + time + discipline. Find your number, automate a Step-Up SIP, and let compounding work for you.